# Saldivo

> UK payment automation for accountancy firms and the businesses they serve. Saldivo captures the invoice, collects by card or open banking, and ties every settlement to a verified payer with a timestamped audit trail. Saldivo is an orchestration platform — it never holds client funds and never stores raw card data.

Saldivo is a trading name of Finvera Limited, a company registered in England and Wales (company number 10484785), registered office 64 Yardley Green Road, Birmingham, West Midlands, B9 5QE. Saldivo is a Rajoka portfolio company founded by Mehmood Rajoka. The product application lives at https://app.saldivo.com.

## What Saldivo does
- Captures invoices and turns them into a single payable request.
- Collects payment two ways: open banking (pay-by-bank) and card.
- Binds every payment to a verified payer (AML/KYC/KYB) so you can prove who paid.
- Issues a timestamped audit certificate for each settlement, so books reconcile by morning.

## Regulatory status
Saldivo is not an FCA-authorised payment institution and does not hold client money. Regulated payment services are delivered by authorised third-party providers — Stripe Connect for card payments and Yapily for open banking. Funds settle directly to the merchant's own account; they never pass through or rest with Saldivo. Identity verification (AML/KYC/KYB) is provided by Certivus. This "Tier-0" model means a rail outage never puts customer money at risk.

## Pricing
- Open banking: 1% + 20p per successful payment, capped at £4.
- Cards: 1.4% + 20p per successful payment, no cap.
- No monthly minimum, no setup fee, and no charge for a payment that fails.

## Frequently asked questions
- **How does Saldivo make sure the right person paid?** Each payment is bound to an identity verified by Certivus (AML/KYC/KYB) and recorded in a timestamped audit certificate, so the payer is provable.
- **Is Saldivo FCA-regulated?** No. Saldivo is not an FCA-authorised payment institution and never holds client money. Regulated services are provided by Stripe (cards) and Yapily (open banking); funds settle directly to your account.
- **What does Saldivo cost?** Open banking is 1% + 20p per successful payment (capped at £4); cards are 1.4% + 20p. No monthly fee, no setup fee, and no charge when a payment fails.
- **Who is Saldivo for?** UK accountancy firms running collections across a client book, and the SMEs they serve.
- **Does Saldivo store card details?** No. Saldivo never stores raw card data; card processing is handled by Stripe.

## Core pages
- [Home](https://saldivo.com/): What Saldivo does — get paid, prove who paid, reconcile by morning.
- [Pricing](https://saldivo.com/pricing): Transparent per-transaction pricing and FAQs.
- [For accountancy firms](https://saldivo.com/for-accountants): Run collections across a whole client book from one console, with a full audit trail.
- [Developers](https://saldivo.com/developers): Canonical REST API — customers, invoices, payments, mandates. Idempotent, versioned, webhook-driven.
- [Security & trust](https://saldivo.com/security): Tier-0 orchestration; never holds funds, never stores raw card data; encryption and compliance posture.
- [System status](https://saldivo.com/status): Live component status and uptime.
- [Learn](https://saldivo.com/learn): Educational pages about open banking invoice payments, reconciliation, verified payer proof, audit trails, and payment links.
- [Compare](https://saldivo.com/compare): Comparison pages for open banking, cards, direct debit, payment links, and bank transfer.
- [Solutions](https://saldivo.com/solutions): Role-specific payment automation pages for bookkeepers, payroll bureaus, and tax advisers.

## Machine-readable resources
- [Full LLM context](https://saldivo.com/llms-full.txt): Extended canonical facts, page summaries, pricing, security posture, and citation-ready answers.
- [Agent pricing](https://saldivo.com/pricing.md): Markdown pricing sheet for AI agents and procurement workflows.
- [AI use policy](https://saldivo.com/ai.txt): Crawler and AI-use guidance for Saldivo-owned website content.
- [RSL license](https://saldivo.com/rsl.xml): Machine-readable usage and licensing terms for automated agents.

## Contact
- Sales & general enquiries: hello@saldivo.com
- Support: support@saldivo.com
- Phone & WhatsApp: +44 330 043 8743
- LinkedIn: https://www.linkedin.com/company/saldivo

## Optional
- [Privacy policy](https://saldivo.com/privacy): How Saldivo handles personal data under UK GDPR.
- [Terms of service](https://saldivo.com/terms): Terms governing use of the platform.
- [Legal & regulatory](https://saldivo.com/legal): Company information and regulatory position.